ExpertiseCARMA CEO, Michelle Shaffer, CPA has been a forward thinker in compliance initiatives for more than 20 years. Her experience working for Big 4 accounting firms, as well as her expertise gained from working for a publicly traded debt buyer, brings a comprehensive approach to compliance challenges.

Ms. Shaffer was a charter member on NARCA’s Client Quality Standardization Committee. After serving as the Director of Financial Compliance at Encore Capital Group/Midland Credit Management, Ms. Shaffer opened her own compliance consultancy in 2012. Her business objective is to think outside the box to bring fresh ideas and cost-saving tools to CFPB-regulated entities.

CARMA brings years of complianceand audit experience, including public accounting service for KPMG, Ernst & Young, and Arthur Andersen. Each team member, including our CPAs, has attained the highest levels of accreditation in their fields.

CARMA’s experience spans industries and includes clients ranging from small sole proprietorships to international Fortune 100 corporations. As innovative professionals, we solve complex audit, compliance, and finance problems using customized and client-driven solutions.

We have significant experience addressing audit and compliance issues specific to the consumer financial services industry.

The regulatory landscape has changed significantly over the last several years. The CARMA team has stayed at the forefront of regulatory compliance by consulting with law firms around the country to develop audit and compliance programs that address: